Commercial Finance
Bespoke funding solutions for business success
Imagine finance flexible enough to support today’s projects and tomorrow’s goals without putting future work or cash flow at risk. With over 3 decades of experience working with commercial banks and specialist lenders, we match you with finance ready to fuel your business growth.
Types of commercial finance we offer
Invoice Finance
Get paid for the work you’ve already delivered without waiting weeks or months for customers to settle. Invoice Finance converts issued invoices into usable working capital, giving credit-based businesses the confidence to take on new work, meet commitments and grow without cash flow dictating decisions.
- Avoid taking on long-term debt or relying on an overdraft
- Choose from lender-managed collections (Invoice Factoring) or retain control of your sales ledger (Invoice Discounting)
- Bridge cash flow gaps across uneven payment cycles
- Greater certainty around settling payroll, suppliers and projects
- Reduce time spent chasing payments and managing cash flow
Selective Invoice Finance
Not every business needs – or wants – a full invoice finance facility. Selective Invoice Finance allows you to release up to 85% of an individual invoice value on an ad-hoc basis. It’s typically used to fund specific invoices when short-term cash flow needs arise, rather than as an ongoing funding arrangement.
- Avoid long-term contracts or minimum usage requirements
- Useful for occasional or one-off cash flow pressures
- Avoid relying on your overdraft or other existing debt facilities
- Flexible – no minimum invoice value
- Fast funding option compared with alternatives
Property Finance
Secure funding for commercial property purchases, development projects or refinancing without locking up capital or delaying progress. Property Finance supports businesses and investors acquiring, developing or restructuring property, with flexible funding structured around the asset and the exit, not a one-size-fits-all mortgage.
- Preserve working capital for refurbishments or other costs
- Choose from three types: Commercial & Buy-To-Let Mortgages, Development Finance, Bridging Finance
- Flexible structures to suit your project
- Access staged funding aligned to build phases
- Fund projects that don’t yet fit bank lending criteria
Growth Guarantee Scheme
When funding needs to flex around scale, structure or timing, the Growth Guarantee Scheme can widen the pool of viable funding options for small businesses. It helps lenders consider loans, asset and invoice finance applications they might otherwise decline, supported by a limited guarantee from the British Business Bank.
- Provides funding for viable businesses that sit outside of standard lending criteria
- Reduces the need to over-secure facilities with personal assets
- Fund growth, manage cash flow or support working capital needs
- Can be used by businesses that received previous government subsidy-backed finance (subject to eligibility, details available here)
- Can be used across multiple UK lending products
How to apply
Whether you’re a growing start-up or listed PLC, our three-step process gives you clarity, avoids wasted time on poorly structured deals and finds the best finance for your goals. Most clients receive a funding decision within 24-48 hours.
Tell us about your business and what you’re trying to achieve.
We’ll arrange a short conversation to discuss what you’re looking to fund, timings and your commercial goals. We’ll also ask for a few documents such as supplier quote/s, latest financials, most recent bank statements and ID to start the process.
Get matched to lender(s).
We identify the best lenders to provide your finance, whether it’s one or a strategic syndicate, and you’ll typically receive the recommended structure and terms within 1-2 days. We’re on hand to answer any questions and refine the approach.
Receive your offer.
We’ll submit your application and handle everything required for approval, from lender questions to additional document submission. We’ll keep you updated throughout and, once approved, will present your offer and assist with the final paperwork so funds can be released.
Why choose Catalyst?
We don’t force deals into off-the-shelf finance products – so you’re not refinancing six months later to undo funding that never fit
We don’t work standard hours – your finance won’t be held up by our slow responses or turnaround
Increase your business’s funding potential – with 40+ lenders on our panel, we widen your funding options beyond big bank risk appetites
We’re upfront about cost and any complexities – helping you make a confident, informed funding decision
We manage the process end-to-end – so you can focus on your day job
We get creative when the project isn’t straightforward – whether it’s staged funding, new-start risk or multi-lender deals, we problem solve to get you the best fit
FAQs
Our specialist team works on complex commercial finance every day. We know what questions lenders will ask, how to address them and are on hand to support you every step of the way. Take a read of the most common queries below.
